Westpac Altitude Credit Card – Details & Application
Winner of Money Magazine’s Gold and Silver ‘Best Bank Reward’s Program’, the Altitude Card boasts one of Australia’s most valuable and popular credit card reward programs. You get the benefit of an American Express & MasterCard under one account statement and annual fee. A wide range of rewards from gadgets, furniture, Myer and of course, flights.
Westpac Altitude Credit Card Review
There are plenty of benefits to applying for a Westpac Altitude Credit Card . Aside from the convenience of two cards linked to the same account and a great rewards program, customers can also enjoy an ultra-low interest rate on balance transfers for a limited time.
Your Altitude points never expire, so save up your points for that special trip or anything else you want.
- 3.99% p.a. for 6 months balance transfer offer
- 5,000 bonus Altitude rewards points*2 (offer excludes packages and switchers)
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
3.99% p.a. for 6 months |
|---|---|---|
| Interest Rate on Purchases | |
19.99% p.a. |
| Annual Fee | |
$100 |
| Interest Free Period | |
up to 45 days |
| Cash Advance Rate | |
21.59% p.a. |
| Card Type | |
Standard |
| Credit Card Type | |
American Express/MasterCard |
| Rewards Program | |
Yes |
Key Features
- Get two credit cards – the Altitude AmericanExpress® Card and the Altitude MasterCard
- Earn two points per dollar spent with your Altitude American Express Card
- Earn one point per dollar spent with your Altitude MasterCard
- Earn up to three points per dollar spent at selected Bonus Partners
- Earn bonus points with our personalised travel service – Altitude Travel
- Optional – Credit Card Repayment Protection
Westpac Altitude Credit Card Features
- Earn Altitude points on purchases
- No points capping or expiry
- Receive two credit cards linked to one account
- Receive 5,000 bonus reward points when you first use your card
- Low annual fee of $100
- Paperless eStatements available
- Limited time low interest rate 3.99% p.a. for 6 months on balance transfers
- Up to 45 days interest free on purchases, as long as you pay your closing balance in full by the statement date every month
Westpac Altitude Credit Card Benefits
The Westpac Altitude Credit Card can be a great way to save money and reduce your debt balance at the same time. For a limited time, customers can benefit from a 3.99% p.a. for 6 months on balance transfers from a non-Westpac credit card.
By rolling your outstanding balances over to Westpac, you can reduce the amount of interest you’re charged. If you put your interest savings towards your balance, you’ll be able to reduce your debt much faster.
You receive two credit cards with your account, both linked to the same credit limit and shown on one statement. On top of this, Westpac Altitude credit cards give you the opportunity to earn Altitude reward points that can be redeemed for great consumer items. Your Altitude American Express card will allow you to earn 2 points per $1 spent on purchases and 1 Altitude point per $1 spent on your Visa or MasterCard.
The first time you use your new Westpac Altitude card to make a purchase you’ll receive a bonus 5,000 Altitude points to get you started. Your points never expire and there’s no cap on the amount you accumulate. You can redeem your points for electronics, gadgets, movies, wine, discounts, gift cards and even cash back onto your credit card if you choose. You’ll be charged a $100 annual fee for your card.
If you’re the type of customer who regularly repays the balance of your credit card down to zero each month before the statement date, then you can enjoy up to 45 days interest free on your purchases paid with your Westpac Altitude Credit Card . This can allow you to pay for the things you need now and repay them over the month without being charged any interest.
Read the official terms and conditions
| Minimum Income | Minimum Age | 18 years of age | |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $1,000 | Max Credit Limit | $30,000 |
| Annual Fee | $100 | Balance Transfer Fee | |
| Minimum Repayment | 2% | Interest Charged From | PurchaseDate |
| Late Payment Fee | $9 | Over Limit Fee | $9 |
| Overseas Emergency Replacement | $0 | Overseas ATM Balance check | $0 |
| Overseas ATM Withdrawal | $2.5 | Foreign Currency Conversion Fee |
| Rewards Points per Dollar | AMEX:2 MCARD:1 VISA:1 Point(s) | Points needed for Syd/Mel Return Flight | 16000 |
| Points needed for $100 Voucher | 8475 |
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